other things, like what the market is doing and being ready, no matter what happens, which isn't rocket science. it's just common sense, from td ameritrade. john: good intentions gone wrong? that is what this is. said darth frank locke, hundreds of pages supposed to protect us from the evil banks for kabbalah addition say they took needless risks and mortgages because there was deregulation. >> reckless the regulation if we do not act the bad situation will become worse. john: they got it through 848 pages. i have not read it but a lawyer who has specializes in garbage like this. >> the problem is the myth surrounding this that the biggest that is it deregulation. john: 11 george bush? >> even earlier. ronald reagan and throughout the clinton era. john: george w. bush hired 86,000 more regulators. >> banking is one of the most regulated industries if not the most. the problem was not deregulation but we had a crisis caused by a massive industry in real-estate due to policies to seven everybody encouraged to take out a mortgage. there will intended. they crafted the bill. logic says this will pr